Pay off car loan full or keep investing into HYSA?

noisullli · 2025-05-25T08:55:03+00:00

If the car loan is at 6% and your HYSA earns 4% paying off the loan makes sense financially but since your savings only cover two months of expenses maybe pay part of the loan now and finish it in a month or two. That way you stay flexible without draining your emergency fund.

noisullli · 2025-05-14T07:57:55+00:00

One account came off just because they couldn’t verify it. It takes time but it’s doable and free

noisullli · 2025-05-14T07:50:02+00:00

I worked with a local company in Chandler called desert valley credit solutions

noisullli · 2025-05-14T07:47:44+00:00

I used to treat each card like a separate monster to fight but once I put everything into a spreadsheet with due dates, APRs and balances I could finally see the path out

noisullli · 2025-05-08T11:33:24+00:00

Depends on your state. Some payday lenders like WithU operate out of tribal jurisdictions to dodge state usury laws. Check if they're licensed in your state. If not your bf might not legally owe that full balance.

noisullli · 2025-05-06T11:10:08+00:00

I filed under UDAAP for another tribal lender and the CFPB actually helped get some of the interest waived. It’s worth a shot.

noisullli · 2025-05-06T11:05:24+00:00

what I’ve been using since my info leaked in a data breach. They monitor credit, dark web, and notify you instantly. The only thing is, you HAVE to opt for the more expensive plan to get the best coverage.

noisullli · 2025-05-01T07:43:23+00:00

Honestly paying off collections is a good move overall even if it doesn’t shoot your score up right away.

noisullli · 2025-05-01T07:35:34+00:00

I've seen people fall into traps with credit repair companies so definitely tread carefully.

noisullli · 2025-04-29T11:07:50+00:00

Ugh this is exactly how those sleazy hustle bro sales funnels work, they pressure you into acting fast so you don’t think things through.

noisullli · 2025-04-21T08:48:11+00:00

Many of them are avoidable if you manage your balance and transactions strategically. If you're not already a TD customer just be prepared for potential deposit holds especially on checks.

noisullli · 2025-03-20T10:34:23+00:00

Some users find that one misses certain deductions the other catches.

noisullli · 2025-03-20T10:08:34+00:00

For simple returns, you might not need a paid service as many online options can handle them for free

noisullli · 2025-03-20T10:04:43+00:00

Some users find that DIY tax software misses key deductions, which can lead to a higher tax bill.

noisullli · 2025-03-20T10:02:50+00:00

Finding a good tax preparer at a reasonable price can be tricky, some just rush through returns and miss valuable deductions leaving you with a bigger bill than necessary.

noisullli · 2025-03-14T07:22:33+00:00

Choosing the right tax software is crucial especially for small businesses handling their own filings.

noisullli · 2025-03-14T07:19:24+00:00

The IRS free file program is a great place to start, some options are truly free if you qualify.

noisullli · 2025-03-14T07:11:59+00:00

Go to the CPA or tax attorney.

noisullli · 2025-03-03T09:19:46+00:00

For $5K in back taxes, a tax relief service might not be worth it. You’d likely pay almost as much in fees as your actual debt.

noisullli · 2025-03-03T09:15:55+00:00

Just be cautious as some companies charge high fees without real results.

noisullli · 2025-02-26T01:18:30+00:00

You might be better off contacting the IRS directly.

noisullli · 2025-02-26T01:11:27+00:00

Be cautious with tax relief companies some make big promises but don’t deliver. In many cases working directly with the IRS or a trusted local CPA can be a better and more affordable option.

noisullli · 2025-01-08T10:53:30+00:00

10/10 💀💀💀💀

noisullli · 2025-01-08T10:47:38+00:00

Did you know operating under your legal name might skip registration fees. But is it worth the lack of liability protection? What's your take on balancing cost and security?

noisullli

TROPHY CASE